Last Saturday I was rear-ended on Central Expressway in Dallas. Traffic was stop & go, the Honda Civic in front of me stopped, I stopped, the 2002 Suburban behind me did not stop. The suburban driver had no driver's license and no valid insurance, bummer. Bigger bummer: yesterday, the body shop informs me the frame is ruined and will need to be replaced for approx. $13K. My 4runner was pretty pristine, 25K miles with KDSS. Anyone had experience replacing the frame on a late model 4runner? Advice?